A Few Reasons Why Online Payment Is Safe On Flipkart

Here’s a mail I received a few days ago:

Hi Tapas,

In your blog can you please write about the security standards which you follow if anyone orders the book using credit/debit card from your site. I am telling you because today I wanted to buy some book and I was browsing through your site [...] and one of my friends asked me not to do that because he suspected that once I give the card number it might be misused. Many people might have inhibitions like that and you can clear it either telling something on the site or on your blog.

Regards,
Rakesh

A very valid concern. One of our main challenges was to get Payment Gateway integration, but that was a cakewalk compared to the challenge of finding customers and getting them to pay online. Hope this helps:

Flipkart.com does not store/save any of your information

When you click on the Pay By Credit Card / Debit Card / Netbanking link, you are redirected to a Payment Gateway like www.ebs.in or www.ccavenue.com. All your details are processed through them and the only thing we receive is a transaction ID against your Order, as confirmation that payment has been received.

All your details get processed and verified by the Payment Gateway and your Credit Card Company / Bank.

As far as how secure the Payment Gateways are, here are some details:

• Payment Gateways are PCI DSS 1.1 Standards Compliant
• They are registered and authenticated by Verisign, and use 128 bit SSL (Secure Sockets Layer)
• They also implement the Verified By Visa and the MasterCard Secure Code Protocols

EBS uses seven server architecture model which helps in better encryption of data which protects the clients information. All credit card authorization is done using the high-tech Axis, HDFC and Citibank’s secure servers and the same is encrypted before it is transmitted over the Internet to the Acquiring Banks. Additionally EBS servers are behind security firewalls to ensure maximum protection of our customer’s information. This guarantees that your information is inaccessible to any third party. EBS uses the best industry-standard Verisign Technology, which ensures the security of the data

CCAvenue uses secure servers throughout and adopts stringent security measures to ensure that sensitive information such as customers’ personal details is protected. Customers enter all their personal information and Credit Card details on ICICI’s E-Payments(Payseal) and Citibank’s secure servers and the same is encrypted before it is transmitted over the Internet to the Acquiring Banks. Additionally CCAvenue’s server is behind security firewalls to ensure maximum protection of your customer’s information.

Modes of Payment - Distribution

This should allay all fears of paying online. Most of our customers do in fact pay online (as opposed to Cheque / DD / Money Order) and in the past two years that we’ve been up, we have had not one instance of fraud or misuse of details.

Online payment is safe. Payment gateways are secure.